AmEx is not my friend.

AmEx is not my friend.

Two questions. I had a $38 balance on an AmEx Card, even though I PIF'd and closed the card in 2005. I think it might be some finance charge or something. Regardless, it was charged off. I sent AmEx a DV letter on June 5. They still haven't responded. Based on my understanding of the FCRA, if they don't get back to me in 30 days, I get to have the derrogatory item removed automatically. Is that true? I called them today and explained this to them, and they wouldn't budge. They said it would show "paid in full" but that it was sent to collections. Can I enforce their mistake on them? How? Second, is a "paid in full, but went to collections" item as bad as another item, or should I let sleeping dogs lie on this one? If it only a few points, no big deal. But if it is worth trying to go after, I'm game. I guess the question is, are there different weights of FICO mistakes? How bad is this one? Thanks for reading. I'd appreciate any help. . .

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IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.